Plan to spend a penny? (3-2-3-2)
I believe the answer is:
pay-as-you-go
I believe this clue is a double definition.
'plan' is the first definition.
(no subscription - pay for what you use e.g. phone)
'to spend a penny?' is the second definition.
('go' can mean use the toilet - cryptic definition)
I've seen this clue in The Everyman puzzle in The Observer.
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